i came out of a snowy, new york city last night. it was about, what would you say, 30, 35 degrees warmer here? that's why. that's why. so sure you will pay your entire salary in taxes to put up with that because it is just so beautiful. it is so beautiful. it is a great state. it has a lot of great potential but for a lot of people here the pedal will start hitting the metal. two million nationwide, 400,000 in california, alone, they will lose their unemployment benefits if congress does not act by year's end which by my math is 33 days from now. liz macdonald says that isn't necessarily a bad thing. she is joined by lori rothman as well. liz, with your tough love approach as always, being the wicked genius you are, you are saying tough love might be okay? >> i don't want to sound like a heartless, mean person, here. neil: that we know. >> that we know, you're usually acquainted with, the common sense tells you and studies after studies have shown, studies in denmark and universities the longer people are on unemployment the longer